109 Edgewater Dr, Winter Haven, FL 33881 Property Records

Polk County property record for 109 Edgewater Dr, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,432 sqft · built 1962
Lot Size	0.167 acres (7,279 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (Jul 2023)
Tax Bill	$2,731 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Oct 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`26-28-08-528700-000840`

Property Details

APN / Parcel Number

Primary APN	`26-28-08-528700-000840`
Alternative APNs	`082826528700000840` `82826000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,432 sqft Living Area
Gross Area	1,684 sqft
1st Floor Area	1,032 sqft
Flooring	Tile
Interior Walls	Wood

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	7,279 sqft (0.167 acres)
Lot Dimensions	104 ft deep x 70 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	252 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	440 sqft
Shed	1 Shed
Utility Building	84 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	109 EDGEWATER DR
City	WINTER HAVEN
State	FL
Zip	33881-9612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CAREFREE COVE PB 43 PG 19 LOT 84
Legal Range	26E
Legal Township	28S
Legal Section	08
Legal Subdivision	CAREFREE COVE
Legal Tract	528700
Legal Block	1
Legal Lot Number	84
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1031
Census Tract	13601

Owner

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	109 EDGEWATER DR, WINTER HAVEN, FL 33881-9612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2023	Warranty Deed, Transfer · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Oct 7, 2022	Warranty Deed, Transfer CELEBRATION TITLE GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2023 · Amount on Record
Deed Sale	Jul 13, 2023 · Amount on Record
Prior Sale	Oct 7, 2022 · Amount on Record
Deed Document Number	2023162526
Deed Book / Page	12761 / 109
Prior Transfer Date	Mar 27, 2015
Prior Transfer Doc	0000056263
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 13, 2023
Property Address	109 EDGEWATER DR, WINTER HAVEN, FL 33881-9612
Document Number	0000162526
Book / Page	12761 / 109
Map Reference	MB 43 PG 19
Instrument Date	Jun 15, 2023
Instrument	2023162526
Transaction Type	Transfer
Record Updated	Jul 27, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4293, WINTER HAVEN, FL 33885-4293

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 EDGEWATER DR, WINTER HAVEN, FL 33881-9612

Mortgage

Document Number	0012761112
Date	Jul 13, 2023
Instrument	12761/112

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 7, 2022
Property Address	109 EDGEWATER DR, WINTER HAVEN, FL 33881-9612
Document Number	0000266601
Book / Page	12442 / 602
Map Reference	MB 43 PG 19
Instrument Date	Oct 4, 2022
Instrument	2022266601
Transaction Type	Transfer
Record Updated	Oct 19, 2022
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Tax	$770.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	91 BABS DR, 91, WEST POINT, MS 39773-4964

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4293, WINTER HAVEN, FL 33885-4293

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$204,724 (-0.64%) Land $18,500 Building $186,224	$204,724 (-0.64%) Land $18,500 Building $186,224
2025	$2,731.00 (-8.08%)	$206,053 (+11.32%) Land $18,500 Building $187,553	$206,053 (+11.32%) Land $18,500 Building $187,553
2023	$2,971.00 (+393.52%)	$185,095 (+260.94%) Land $18,000 Building $167,095	$185,095 (+25.06%) Land $18,000 Building $167,095
2022	$602.00 Homeowner's exemption	$51,282	$148,007 Land $15,000 Building $133,007

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2022 · Hurricane Ian

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992
Water Source	Groundwater
Last State Inspection	Dec 2021
Lead	7 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Sep 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	16 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 253 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

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